www.iva.co.uk

Hi all,

I wonder if there is anyone that can probably answer this for me.

I have just completed my Full and Final on IVA and am awaiting my certificate of completion.

However what i am wondering is, I know the IVA will stay on file for another 4 years as been in it only 2 before completion but how much can I build my credit rating while this is on there. I mean I am not going to start missing payment and doing loads of searches if it cant be improved but just wondered if doing all the basics over the next 4 years to keep my report clean and up to date will make any osrt of improvement or will it not really help until after the 4 years

Cheers

Mortgage/rent/mobile phones and bank account will all help to build up your rating.

Make sure that you check that no creditors have defaulted you after your IVA was approved - if they have, you need to get them to remove the defaults.

Request a copy from all three agencies - Call Credit, Equifax, Experian and see what they have to say.